Automated Clearing House

ACH Regulations (31 CFR Part 210)

These regulations define the rights and liabilities of everyone involved with ACH. They cover ACH credit entries, debit entries, and data that agencies send or receive through ACH.

The ACH Operating Circular

(with its appendices and schedules for time and fees) governs how Federal Reserve Banks, banks sending money, and banks receiving money clear and settle commercial ACH credits and debits.

Appendix D governs ACH for federal agencies.

Nacha

Financial institutions that participate in ACH follow operating rules developed by Nacha, formerly known as NACHA – the Electronic Payments Association (Nacha), to transfer funds electronically. Nacha is not a government agency. Nacha charges a fee for a copy of its rules.